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MellyBell 06/22/17 5:20:09 PM #1: |
I just looked and mine is 776. It's funny, all my different accounts have FICO scores and the all pull from close to the same day.
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TheVipaGTS 06/22/17 5:20:59 PM #2: |
I last checked when I bought my car last year. I was in the 770 range as well.
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Nubcake13 06/22/17 5:22:07 PM #3: |
non-existent
--- i have no sig ... Copied to Clipboard!
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King Rial 06/22/17 5:22:25 PM #4: |
Nubcake13 posted...
non-existent --- I use Google... A lot.... >______> ... Copied to Clipboard!
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fan357 06/22/17 5:22:31 PM #5: |
790 as of three months ago.
--- Everything will be alright. ... Copied to Clipboard!
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Super Saiyan 3 Goku 06/22/17 5:25:07 PM #6: |
Enough to get $25k credit lines.
--- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius ... Copied to Clipboard!
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boxington 06/22/17 5:26:43 PM #7: |
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#8 | Post #8 was unavailable or deleted. |
MellyBell 06/22/17 5:27:37 PM #9: |
Post screenshot as proof as I'm about ready to call bullshit.
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PMarth2002 06/22/17 5:34:37 PM #10: |
dolomedes posted...
shit. --- If you want to make the world a better place Take a look at yourself, and then make a change ... Copied to Clipboard!
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CableZL 06/22/17 5:50:51 PM #11: |
Transunion: 800
Equifax: 803 --- ... Copied to Clipboard!
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MellyBell 06/22/17 5:55:04 PM #12: |
If your credit is shit what did you do to fuck it up.
If you don't have credit, how old are you? ... Copied to Clipboard!
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gguirao 06/22/17 5:57:14 PM #13: |
I'm not sure. I don't buy things on credit.
--- Donald J. Trump--proof against government intelligence. ... Copied to Clipboard!
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Timohtep 06/22/17 5:57:52 PM #14: |
672. So could be worse
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boxington 06/22/17 6:07:12 PM #15: |
MellyBell posted...
Post screenshot as proof as I'm about ready to call bullshit. idk how accurate it is, though, as I just go to the Wells Fargo website ![]() --- ... Copied to Clipboard!
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Esrac 06/22/17 6:08:26 PM #16: |
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MellyBell 06/22/17 6:42:08 PM #17: |
At point is a credit score diminishing returns? My understanding was that anything over 760 got you the best rates on pretty much everything.
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CableZL 06/22/17 7:31:14 PM #18: |
MellyBell posted...
If your credit is shit what did you do to fuck it up. I used to have crappy credit. When I was 19, I was two hours early for a doctor's appointment. So, I decided to go to a nearby Circuit City and look around. I was over by the computers, heard a manager talking to a customer complaining about her desktop icons missing and the manager was having a hard time helping her. I told him exactly how to fix it. He tried to offer me a job on the spot. I probably should have accepted it, but... I didn't because the place was kinda far away from home compared to where I currently worked. I then went over to the TVs, and the guy was trying to get me to buy one. I told him I didn't have that much money, and he said I could sign up for a credit card and then walk out with a TV without paying a dime out of pocket. Sounded like a pretty awesome idea, so I went over to the customer service desk and signed up for a credit card. I was approved instantly for $5000. I was shocked and completely forgot I was even looking at TVs. I left the store and went to my doctor's appointment. I started buying EVERYTHANG with that credit card. Shoes, clothing, video games, food, etc. EVERYTHANG. I had no idea how credit cards worked. I just knew that they only wanted like $25 as a minimum payment when I owed hundreds of dollars. Sweet! I'll never forget the feeling I had when I went to a Wendy's and my card was declined. I knew that I owed $5000 and it was gonna take forever to pay it off. Then I got laid off and didn't have a way to pay even the minimums any more. It got to the point where debt collectors were calling my cell phone every 15 - 30 minutes during the day. It was terrible. I eventually got a stable job doing tech support. I got a few promotions my first year working there and I was able to afford to pay about $250/month. I did that for a couple years or so and got it paid off. I worked hard at fixing my credit ever since. --- ... Copied to Clipboard!
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DifferentialEquation 06/22/17 7:33:58 PM #19: |
798 according to Discover
803 according to my bank --- "If the day does not require an AK, it is good." The Great Warrior Poet, Ice Cube ... Copied to Clipboard!
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MellyBell 06/22/17 7:42:36 PM #20: |
CableZL posted...
MellyBell posted...If your credit is shit what did you do to fuck it up. Congrats for getting back on your feet. :D /hug ... Copied to Clipboard!
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MellyBell 06/22/17 8:12:48 PM #21: |
I didn't get a credit card until I was like... 22 years old. Because of all the horror stories I'd heard I didn't even have a bank account. I might be a little behind in terms of establishing a lengthy credit history but I think it's for the best. I went into it with a good attitude and 776 isn't anything to scoff at.
Here's mine on Discover. It's slightly more on my Credit Union and slightly less on Credit Karma. I guess it changes from day to day. D: ![]() ... Copied to Clipboard!
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metralo 06/22/17 8:14:31 PM #22: |
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Turbam 06/22/17 8:15:53 PM #23: |
732
751 Pretty good! --- ~snip (V)_(; ;)_(V) snip~ I'm just one man! Whoa! Well, I'm a one man band! http://i.imgur.com/p9Xvjvs.gif ... Copied to Clipboard!
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MellyBell 06/22/17 8:20:54 PM #25: |
A lot of banks/credit unions/credit card companies have free reports on your accounts page. Then you have places like Credit Karma.
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RebelElite791 06/22/17 8:21:06 PM #26: |
Like 700 atm because I have a few recent inqs and a balance on two 0% cards.
King Rial posted... Nubcake13 posted...non-existent gguirao posted... I'm not sure. I don't buy things on credit. CE's irrational fear of credit is constantly hilarious/mind-boggling to me. --- ... Copied to Clipboard!
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Turbam 06/22/17 8:21:17 PM #27: |
Nall posted...
What do you guys use to check your credit? Is it free? Credit Karma. It's free! No, really, it's free!! --- ~snip (V)_(; ;)_(V) snip~ I'm just one man! Whoa! Well, I'm a one man band! http://i.imgur.com/p9Xvjvs.gif ... Copied to Clipboard!
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Super Saiyan 3 Goku 06/22/17 8:22:39 PM #28: |
Careful with places like Credit Karma - those scores aren't your real ones. Credit cards like the Discover It and Chase Slate will also provide you with your real FICO scores.
--- When it is obvious that the goals cannot be reached, don't adjust the goals, adjust the action steps. - Confucius ... Copied to Clipboard!
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RebelElite791 06/22/17 8:23:33 PM #29: |
Super Saiyan 3 Goku posted...
Careful with places like Credit Karma - those scores aren't your real ones. Credit cards like the Discover It and Chase Slate will also provide you with your real FICO scores. Yeah I use CreditKarma and Nerdwallet but they're constantly about 50 points below my actual score. Still useful to monitor utilization and such. And they update more frequently than the card-given scores. --- ... Copied to Clipboard!
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Irony 06/22/17 8:23:43 PM #30: |
404
Credit not found --- I am Mogar, God of Irony and The Devourer of Topics. http://i.imgtc.com/tHc3mIo.png http://i.imgtc.com/PYxw8Lm.png ... Copied to Clipboard!
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gatorsPENSbucs 06/22/17 8:23:53 PM #31: |
Low 700s last I looked.
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MellyBell 06/22/17 8:23:55 PM #32: |
So I wonder, I did a balance transfer to a 0% card on a CC that I had a balance on a few months ago. I did this because I would have normally paid the card off but was in the hospital for a couple months.
I don't know that I'll be able to pay the balance by the time interest starts to kick in. What's to stop me from finding another 0% interest credit card and doing another balance transfer when it comes close in time for the interest to start kicking in? ... Copied to Clipboard!
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RebelElite791 06/22/17 8:24:00 PM #33: |
Irony posted...
404 Pretty dumb choice there. --- ... Copied to Clipboard!
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Nubcake13 06/22/17 8:25:07 PM #34: |
RebelElite791 posted...
CE's irrational fear of credit is constantly hilarious/mind-boggling to me. I have a CC and use it I just dont have enough of a history to generate a report, --- i have no sig ... Copied to Clipboard!
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Irony 06/22/17 8:25:15 PM #35: |
Credit doesn't matter if you don't make the money to pay loans.
--- I am Mogar, God of Irony and The Devourer of Topics. http://i.imgtc.com/tHc3mIo.png http://i.imgtc.com/PYxw8Lm.png ... Copied to Clipboard!
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MellyBell 06/22/17 8:26:00 PM #36: |
Super Saiyan 3 Goku posted...
Careful with places like Credit Karma - those scores aren't your real ones. Credit cards like the Discover It and Chase Slate will also provide you with your real FICO scores. As you can see, my discover score is what I posted but my KK is actually slightly lower and so is my chase. Only by a few points, but still. ... Copied to Clipboard!
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ChromaticAngel 06/22/17 8:26:17 PM #37: |
758 due to opening several accounts recently. Was previously 770 ish.
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RebelElite791 06/22/17 8:26:19 PM #38: |
Nubcake13 posted...
RebelElite791 posted...CE's irrational fear of credit is constantly hilarious/mind-boggling to me. So you've had it for less than a month? Irony posted... Credit doesn't matter if you don't make the money to pay loans. Do you never plan on making any money or financing any big purchases? --- ... Copied to Clipboard!
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MellyBell 06/22/17 8:26:27 PM #39: |
Irony posted...
Credit doesn't matter if you don't make the money to pay loans. Credit matters. In some states it's legal for insurance companies to charge you more based on low credit. ... Copied to Clipboard!
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SamsungGearS2 06/22/17 8:28:42 PM #40: |
666
--- Devices: Samsung Galaxy J3, Wii U, 3DS, Microsoft Surface RT | CP: Sticker Star, Color Splash https://www.youtube.com/watch?v=LiaYDPRedWQ Just why, Sanrio? ... Copied to Clipboard!
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Nubcake13 06/22/17 8:28:49 PM #41: |
3
--- i have no sig ... Copied to Clipboard!
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littlebro07 06/22/17 8:28:50 PM #42: |
Around 760 I think
Was like 780 before buying a house in November --- ... Copied to Clipboard!
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RebelElite791 06/22/17 8:29:21 PM #43: |
Nubcake13 posted...
3 Then it's definitely been reported to the bureaus barring some extreme glitch (or it's a business card) --- ... Copied to Clipboard!
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littlebro07 06/22/17 8:29:44 PM #44: |
A lot of cards are providing free FICO scores now too. American Express does it.
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Slaya4 06/22/17 8:31:05 PM #45: |
Last I checked 745, but I recently inquired about a mortgage so maybe 720-30ish.
--- Am I going too hard? ... Copied to Clipboard!
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Nubcake13 06/22/17 8:33:05 PM #46: |
RebelElite791 posted...
Nubcake13 posted...3 Oh im sure it has, just when i do do check it says there is not enough information to generate a report, but ill take that, a year ago i applied for a discover student card and got auto-denied due to "collections" checked my credit score then and it was 550 and i had a collections record from a medical group in a city i had never been to got it taken care of and then my score disappeared --- i have no sig ... Copied to Clipboard!
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MellyBell 06/22/17 8:47:27 PM #47: |
Get a Discover IT student card. That's how I started my credit history. Then I got a store card. Then I got a car loan. Then I got an Amazon card. Then I got a Chase card. And that's it.
Only have a balance on the car loan and the chase card. ... Copied to Clipboard!
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fan357 06/22/17 8:48:21 PM #48: |
The amount of people that are afraid of credit is terrifying.
--- Everything will be alright. ... Copied to Clipboard!
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MellyBell 06/24/17 4:41:07 PM #49: |
They don't realize how interconnected it is with practically everything else.
Good luck buying a house or even getting an apartment with zero credit. You pay more for everything if you have bad/no credit. ... Copied to Clipboard!
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AzNDarkSamurai 06/24/17 5:06:11 PM #50: |
awful at the moment but i'm recovering
--- Pinoy Pride, 1988 - the day I die! ... Copied to Clipboard!
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